By accessing or using this website (the “Service”), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Service.

The Service is operated by JOYCO LLC, a technology investment and holding company. Our registered business details are [Configure company details in admin settings].

You must be able to form a binding contract to use certain features. If you create an account, you are responsible for maintaining the confidentiality of your credentials and for all activity under your account. Notify us promptly of any unauthorised use.

You agree not to misuse the Service. Prohibited conduct is described in our Acceptable Use Policy, which is incorporated into these terms by reference.

The Service and its content — including text, graphics, logos, and software — are owned by or licensed to JOYCO and are protected by intellectual property laws. Except as expressly permitted, you may not copy, modify, distribute, or create derivative works without our prior written consent. Product and company names referenced may be trademarks of their respective owners.

Information about JOYCO and our portfolio is provided for general informational purposes only. Nothing on the Service constitutes an offer or solicitation to buy or sell any security, nor does it constitute financial, legal, tax, or investment advice. See our Investment & Financial Disclaimer.

The Service may link to third-party websites or services that we do not control. We are not responsible for their content, policies, or practices, and access is at your own risk.

The Service is provided “as is” and “as available” without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement, to the fullest extent permitted by law. We do not warrant that the Service will be uninterrupted, secure, or error-free.

To the maximum extent permitted by law, JOYCO and its affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits or data, arising out of or related to your use of the Service.

You agree to indemnify and hold harmless JOYCO and its affiliates from any claims, damages, and expenses arising from your misuse of the Service or violation of these terms.

We may modify or discontinue the Service, and we may update these terms from time to time. Material changes will be indicated by updating the “Last updated” date above. Continued use after changes constitutes acceptance.

These terms are governed by the laws of [Configure governing jurisdiction in admin settings], without regard to conflict-of-laws principles.

Questions about these terms can be sent through our contact page.